When they click the PayPal button on the checkout page they are taken to the PayPal payment center and given the option to use their PP account or pay with a credit card. With this in place why is it necessary to have credit card information in the checkout form since they can select that option once they are in PP? 
Paypal pay,emts pro offers both, you can remove the checkout form from the checkout page is you like and only have the option to use express checkout.
Some people prefer to enter the CC Info on your site, some people prefer to use paypal, it just gives the buyer more options.
As far as the Instructions textarea field it doesn't matter where it is in the checkout flow as long as we can have that text captured and then add it to the emailed receipt when it goes out. 
Since there are 2 payment options, you need to add the instructions fields to both payment workflows.
for the Direct payments workflow, the instructions field goes on the checkout page, you add the set session variable to the confirm page and add the hidden form element to the confirm page.
for the Express Checkout workflow, add the instructions field to the pp_confirm page and add the set session value behavior to the pp_confirm page.


